New Delhi, Nov. 13 -- When you aspire to go about securing a low-interest personal loan in the country, you should definitely have a clean credit profile and a solid credit score. The final lending rates for individuals vary significantly based on several factors, including the individual's income, creditworthiness, credit score and past default history.

This makes high-credit-score holders better positioned to secure new personal loans, credit cards, or home loans in a seamless manner at more favourable interest rates. Here is how you can use a strong credit score and a reputable credit report to access favourable personal loan terms.

In conclusion, securing a low-interest loan is no longer a matter of simply applying and hoping for th...